Fraud resistant biometric financial transaction system and method

ABSTRACT

A method and system for authenticating financial transactions is disclosed wherein biometric data is acquired from a person and the probability of liveness of the person and probability of a match between the person or token and known biometric or token information are calculated, preferably according to a formula D=P(p)*(K+P(m)) , wherein K is a number between 0.1 and 100, and authenticating if the value of D exceeds a predetermined value.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of, and claims priority to U.S. application Ser. No. 12/444,018, filed on Apr. 2, 2009, which is a National Stage Entry of International Application No. PCT/US07/80135, filed Oct. 2, 2007, which claims priority to U.S. Provisional Application No. 60/827,738, filed Oct. 2, 2006, all of which are hereby incorporated by reference for all purposes.

BACKGROUND OF THE DISCLOSURE

This invention relates to biometric identification and authentication systems and methods, more particularly to authentication for financial transactions using biometrics.

Biometric identification and authentication systems are known in the art, for example systems to compare facial features, iris imagery, fingerprints, finger vein images, and palm vein images have been used. Such systems are known to be useful for either comparing biometric data acquired from an individual to stored sets of biometric data of known “enrolled” individuals, or to compare biometric data acquired from an individual to a proposed template such as when an identification card is supplied to the system by the individual.

Turk, et al., U.S. Pat. No. 5,164,992, discloses a recognition system for identifying members of an audience, the system including an imaging system which generates an image of the audience; a selector module for selecting a portion of the generated image; a detection means which analyzes the selected image portion to determine whether an image of a person is present; and a recognition module responsive to the detection means for determining whether a detected image of a person identified by the detection means resembles one of a reference set of images of individuals. If the computed distance is sufficiently close to face space (i.e., less than the preselected threshold), recognition module 10 treats it as a face image and proceeds with determining whose face it is (step 206). This involves computing distances between the projection of the input image onto face space and each of the reference face images in face space. If the projected input image is sufficiently close to anyone of the reference faces (i.e., the computed distance in face space is less than a predetermined distance), recognition module 10 identifies the input image as belonging to the individual associated with that reference face. If the projected input image is not sufficiently close to anyone of the reference faces, recognition module 10 reports that a person has been located but the identity of the person is unknown.

Daugman, U.S. Pat. No. 5,291,560, disclosed a method of uniquely identifying a particular human being by biometric analysis of the iris of the eye.

Yu, et al., U.S. Pat. No. 5,930,804, discloses a Web-based authentication system and method, the system comprising at least one Web client station, at least one Web server station and an authentication center. The Web client station is linked to a Web cloud, and provides selected biometric data of an individual who is using the Web client station. The Web server station is also linked to the Web cloud. The authentication center is linked to at least one of the Web client and Web server stations so as to receive the biometric data. The authentication center, having records of one or more enrolled individuals, provides for comparison of the provided data with selected records. The method comprises the steps of (i) establishing parameters associated with selected biometric characteristics to be used in authentication; (ii) acquiring, at the Web client station, biometric data in accordance with the parameters; (iii) receiving, at an authentication center, a message that includes biometric data; (iv) selecting, at the authentication center, one or more records from among records associated with one or more enrolled individuals; and (v) comparing the received data with selected records. The comparisons of the system and method are to determine whether the so-compared live data sufficiently matches the selected records so as to authenticate the individual seeking access of the Web server station, which access is typically to information, services and other resources provided by one or more application servers associated with the Web server station. If the computed distance is sufficiently close to face space (i.e., less than the pre-selected threshold), recognition module 10 treats it as a face image and proceeds with determining whose face it is (step 206). This involves computing distances between the projection of the input image onto face space and each of the reference face images in face space. If the projected input image is sufficiently close to anyone of the reference faces (i.e., the computed distance in face space is less than a predetermined distance), recognition module 10 identifies the input image as belonging to the individual associated with that reference face. If the projected input image is not sufficiently close to any one of the reference faces, recognition module 10 reports that a person has been located but the identity of the person is unknown.

Different biometrics perform differently. For example, the face biometric is easy to acquire (a web camera for example) but it's ability to tell an impostor from an authentic person is somewhat limiting. In fact in most biometrics a threshold must be set which trades off how many impostors are incorrectly accepted versus how many true authentics are rejected. For example, if a threshold is set at 0 (figuratively), then no authentics would be rejected, but every impostor will also be accepted. If the threshold is set at 1 (again figuratively), no impostors will get through but neither will any authentics. If the threshold is set at 0.5 (again figuratively), then a fraction of impostors will get through and a fraction of authentics will not get through. Even though some biometrics such as the iris are sufficiently accurate to have no cross-over between the authentics and impostor distributions when the iris image quality is good, if the iris image is poor then there will be a cross-over and the problem reoccurs.

In the field of authentication of financial transactions, most systems are designed to compare biometric data from an individual to a known template rather than to a set of enrolled individuals.

However, in the field of authentication of financial transactions, high levels of accuracy and speed are critical. For example, to authenticate a banking transaction, there is high motivation for an imposter to try to spoof the system and yet the financial institution would require a fast authentication process and a low rate of false rejects or denials. In this field, even a small percentage of rejections of authentics can result in an enormous number of unhappy customers, simply because of the huge number of transactions. This has prevented banks from using certain biometrics.

In addition, informing the customer (or attempted fraudster) that they successfully got through a biometric system (or not) is not desirable because it enables fraudsters to obtain feedback on methods for trying to defeat the system. Also, there is little or no deterrent for an attempted fraudster to keep on attempting to perform a fraudulent transaction.

One problem faced by biometric recognition systems involves the possibility of spoofing. For example, a life-sized, high-resolution photograph of a person may be presented to an iris recognition system. The iris recognition systems may capture an image of this photograph and generate a positive identification. This type of spoofing presents an obvious security concern for the implementation of an iris recognition system. One method of addressing this problem has been to shine a light onto the eye, then increase or decrease the intensity of the light. A live, human eye will respond by dilating the pupil. This dilation is used to determine whether the iris presented for recognition is a live, human eye or merely a photograph—since the size of a pupil on a photograph obviously will not change in response to changes in the intensity of light.

In biometric recognition systems using fingerprint, finger vein, palm vein, or other imagery, other methods of determining whether spoofing is being attempted use temperature or other measures of liveness, the term liveness being used herein for any step or steps taken to determine whether the biometric data is being acquired from a live human rather than a fake due to a spoof attempt. More specifically however, in this invention, we define probability of liveness as the probability that biometric data has been acquired that can be used by an automatic or manual method to identify the user.

In prior biometric systems which include means and steps to determine liveness, the liveness test is conducted or carried out first, prior to the match process or matching module.

More specifically, in the prior art the decision to authorize a transaction does not separately consider a measure of liveness and a measure of match. By match step or module, we mean the steps and system components which function to calculate the probability of a match between acquired biometric data from an individual or purported individual being authenticated and data acquired from known individuals.

The prior systems and methods have not achieved significant commercial success in the field of authenticating financial transactions due, in part, from the insufficient speed and accuracy from which prior biometric authentication systems for financial transactions suffered. More specifically, the current methods of basing a decision to perform a financial transaction on the measure of match means that many valid customers are rejected, due to the finite false reject rate. There is therefore a need in this field of biometric authentication systems and methods for financial transactions for improved deterrent against attempted fraudulent transactions, and decreased rejection of valid customers.

SUMMARY

These needs and others as will become apparent from the following description and drawings, are achieved by the present invention which comprises in one aspect a system for

In another aspect, the invention comprises a method of authenticating financial transactions comprising acquiring biometric data from a person, calculating probability of liveness, Pp, of the person and probability of a match, Pm, between the person and known biometric information, and providing an authenticating decision, D, based on a combination of Pp and Pm. In certain embodiments an authentication decision, D, is calculated as a function of the probability of a match Pm and the probability of a live person, Pp, according to the formula D=Pp*(K+Pm) , wherein K is a number between 0.1 and 100, and in some embodiments K is a number between 0.5 and 1.5.

In some embodiments, a first image is presented on a computer screen, wherein the computer screen is oriented to face a user; at least one camera is positioned proximate the computer screen, wherein the at least one camera is oriented to face the user so that light emitted by the computer screen as the first image is reflected by the user and captured by the at least one camera; obtaining a second image through the at least one camera; and determining whether at least a portion of the second image includes a representation of the first image on the computer screen reflected by a curved surface consistent with a human eye.

In certain embodiments the probability of a live person, Pp, is calculated by presenting a first image on a computer screen positioned in front of a user; capturing a first reflection of the first image off of the user through a camera; presenting a second image on the computer screen positioned in front of the user; capturing a second reflection of the second image off of the user through the camera; comparing the first reflection of the first image with the second reflection of the second image to determine whether the first reflection and the second reflection were formed by a curved surface consistent with a human eye.

Alternatively wherein the probability of a live person, Pp, can be calculated by obtaining a first image of a user positioned in front of a computer screen from a first perspective; obtaining a second image of the user positioned in front of the computer screen from a second perspective; identifying a first portion of the first image and a second portion of the second image containing a representation of a human eye; and detecting a human eye when the first portion of the first image differs from the second portion of the second image.

The probability of a live person, Pp, is calculated in other embodiments by measuring finger or palm temperature and comparing the resultant measured temperature to expected temperature for a human.

The probability of a match, Pm, can be calculated in any way which is desired, for example by iris recognition, fingerprint image recognition, finger vein image recognition, or palm vein image recognition.

Another aspect of the invention is a system for carrying out the method.

A still further aspect and an advantage of the invention is that if a person fails or passes authentication, the person is not informed as to whether non-authentication or authentication was based on probability of liveliness or probability of matching of biometric image. This makes it much more difficult for an attempted fraudster to refine their fraudulent methods since they are not being provided clear feedback.

As compared to conventional biometric systems and methods, the invention does not merely depend on the probability that the person is who they said they are when authorizing a transaction. The invention includes calculating a second probability which is the probability that the biometric data is from a real person in the first place. The first probability is determined using any biometric algorithm. The second probability is determined using other algorithms which determine whether the biometric data or the person from whom the data is collected is a real person. The decision to authorize a transaction is now a function of both these probabilities. Often, if the first probability is high (a good match), then the second probability typically will also be high (a real person). However, in some cases where a good customer is trying to perform a transaction and the biometric algorithm is having difficulty performing a match (because light is limited for example and the person's web-cam has a low-contrast image), then the first probability could be low but the second probability could still be high.

The algorithms to determine the second probability (confidence in whether a person is real or not) can be designed to be in many cases less sensitive to conditions out of the control of the algorithms, such as illumination changes and orientation of the person, compared to algorithms that compute the first probability (confidence that the person is a particular person) which are often very sensitive to illumination changes and orientation of the person. Because of this, and since we combine the 2 probabilities to make a decision in a transaction, the reject rate of true authentics can be designed to be greatly reduced.

The invention authorizes transactions based on a combination of the two probabilities, an attempted fraudster is never sure whether a transaction was authorized or not authorized because they were matched or not matched, or because they were or were not detected as a real person and eliminates the clear feedback that criminals are provided today that they use to develop new methods to defeat systems. As a bi-product, the invention provides an enormous deterrent to criminals since the system is acquiring biometric data that they have no idea can or cannot be used successfully as evidence against them. Even if there is a small probability that evidence can be used against them is sufficient for many criminals to not perform fraud, in consideration of the consequences of the charges and the damming evidence of biometric data (such as a picture of a face tied to a transaction). An analogy to this latter point is CCTV cameras in a high street, which typically reduces crime substantially since people are aware that there is a possibility they will be caught on camera.

A preferred formula used in calculating a decision whether to authenticate a transaction is D=P(p)*(1+P(m)), where D is the decision probability, P(m) is the probability of a match with a range of 0 to 1, and P(p) is the probability the person is real and the biometric data is valid from 0 to 1. If the algorithm detects person is not live, and no match detected: D=0*(1+0)=O. If the algorithm detects strongly that the person is live, and yet no match is detected: D=1*(1+0)=1. If the algorithm detects strongly that the person is live, and a very good match is detected: D=1*(1+1)=2. If the algorithm detects strongly that the person is live (or more specifically, that biometric data has been collected that can be used by a manual or automatic method after-the-fact to identify the person in prosecution for example), and a poor match is detected of 0.3: D=1*(1+0.3)=1.3 If the threshold is set at, for example, 1.2 for D, then essentially in the latter case, the transaction will be authorized even though the biometric match is not high. This is because the system determined that the biometric data collected can be used by a manual or automatic method after-the-fact to identify the person in prosecution for example. A higher transaction may be authorized if the value of D is higher. Many other functions of Pp and Pm can be used. We use the parallel result to authorize a transaction or access control or other permission, where rejection of a true customer has significant penalty such as a loss of a customer. In the prior art, false rejects and true accepts are often addressed only in consideration of the biometric match performance, and the substantial business consequences of a false reject is often not considered, and therefore few systems have been implemented practically.

A special advantage of this method and system is that by combining in one algorithm the live-person result with the match result, a fraudulent user does not know whether he or she was authorized or declined as a result of a bad or good match, or because the system has captured excellent live-person data that can be used for prosecution or at least embarrassing public disclosure. The system results in a large deterrent since in the process of trying to defeat a system, the fraudulent user will have to present some live-person data to the system and they will not know how much or how little live-person data is required to incriminate themselves. The fraudulent user is also not able to determine precisely how well their fraudulent methods are working, which takes away the single most important tool of a fraudster, i.e., feedback on how well their methods are working. At best, they get feedback on the combination of live-person results and match results, but not on either individually. For example, a transaction may be authorized because the probability of a live-person is very high, even if the match probability is low. The invention collects a set of live-person data that can be used to compile a database or watch list of people who attempt to perform fraudulent transactions, and this can be used to recognize fraudsters at other transactions such as check-cashing for example by using a camera and another face recognition system. The system also ensures that some live-person data is captured, then it provides a means to perform customer redress (for example, if a customer complains then the system can show the customer a picture of them performing a transaction, or a bank agent can manually look at the picture of the user performing the transaction and compare it with a record of the user on file).

The biometric data gathered for calculating Pp can be stored and used later for manual verification or automatic checking.

In the prior art, only Pm has been involved in the decision metric. According to the present invention, Pp is combined so that for a given Pm, the decision criteria, D, is moved toward acceptance compared to when only Pm is involved if Pp is near 1, so that if the system has acquired good biometric data with sufficient quality for potential prosecution and manual or automatic biometric matching, then it is more likely to accept a match based on given biometric data used to calculate Pm, thereby moving the performance of a transaction system for authentic users from 98 percent to virtually 100 percent while still gathering data which can be used for prosecution or deterrent.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a flow chart of one embodiment of an authentication system according to the disclosure; FIG. 2 depicts one embodiment of a system for determining liveness according to the disclosure; FIGS. 3 and 4 depict embodiments of a system for determining liveness according to the disclosure; and FIG. 5 is a flow chart of an embodiment of an authorization system according to the disclosure.

DETAILED DESCRIPTION

Referring first to FIGS. 1 and 2, the overall process is to compute 11 the probability, Pp, of a live person being presented, compute 13 the probability of a biometric match, Pm, computing 14 D according to the aforementioned formula, wherein at decision block 15 if D exceeds a preset threshold, the transaction is authorized 17 or, if D does not exceed the preset threshold, the transaction is not authorized, 16.

Referring now to FIG. 2, an example of a system and method of obtaining data used for calculating the probability of a live person 21 is shown. First, an image is displayed on a screen 23 with a black bar 24 on the right and a white area 25 on the left, and an image from a web camera 26 that the person 21 looks at is recorded. A second image is displayed on the screen (not shown), but this time the black bar is on the left and the white area is on the right and a second image from the web-camera 26 is recorded.

The difference between the two images is recorded and the difference at each pixel is squared. The images are then blurred by convolving with a low-pass filter and then threshold the image. Areas above threshold are areas of change between the two images. The system expects to see a change primarily on the cornea, where a sharp image of the screen is reflected.

Referring to FIGS. 3 and 4 which represent cornea C with pupil P and section S1 at time T1 and S2 at time T2, with I representing an iris, given the curved geometry of the cornea, for a live curved and reflective cornea, the black and white area should have a particular curved shape—specifically a curved black bar and a curved white area (much like a fish-eye lens view). A template of the expected view is correlated with the first image obtained on the web-camera only in the region of the eye as detected by the prior step), and the peak value of the correlation is detected. The process is then repeated with the template expected from the second image.

The minimum of the two correlation scores (which will lie between −1 to 1) is correlated and normalized it to be between 0 and 1 by adding 1 and dividing by 2. This is the probability of measure of liveness=P(p).

Using the method described in Turk, et al., U.S. Pat. No. 5,164,992, a face recognition match score, Pm, is calculated and then normalized to be between 0 and 1.

The system then computes D=(P(L)*(1+P(M))/2. If P(L) ranges from 0 to 1, and P(M) ranges from 0 to 1, then D ranges from 0 to 1. A threshold of 0.55 is set. If the value of D for a particular transaction/customer is above 0.55, then the transaction authenticated and allowed to proceed. If the value of D is less than or equal to 0.55, then authentication fails and the transaction is not allowed to proceed. If P(L)=0.95 (high) and P(M)=0.95 ((high) , then D=0.95, which is well above the threshold—the transaction goes through as expected. If P(L)=0.95 (high), but P(M) =0.25 (poor), then D=0.6, and the transaction still goes through.

The present invention, therefore, is well adapted to carry out the objects and attain the ends and advantages mentioned, as well as others inherent therein. While the invention has been depicted and described and is defined by reference to particular preferred embodiments of the invention, such references do not imply a limitation on the invention, and no such limitation is to be inferred. The invention is capable of considerable modification, alteration and equivalents in form and function, as will occur to those ordinarily skilled in the pertinent arts. The depicted and described preferred embodiments of the invention are exemplary only and are not exhaustive of the scope of the invention. Consequently, the invention is intended to be limited only by the spirit and scope of the appended claims, giving full cognizance to equivalents in all respects. 

1. A method for authorizing a transaction, comprising: acquiring biometric data from a person in connection with a transaction; determining a probability of liveness of the person, P1, and a level of confidence in the person's identity, P2; and providing an authorization decision based on a combination of P1 and P2, the combination emphasizing the contribution of P1 in moving the authorization decision towards acceptance of the transaction.
 2. The method of claim 1, further comprising determining P1 and P2 such that means for determining P1 is less sensitive, as compared to means for determining P2, to conditions out of the control of either means.
 3. The method of claim 1, further comprising determining P1 and P2 such that means for determining P1 is less sensitive, as compared to a means for determining P2, to illumination changes or orientation of the person.
 4. The method of claim 1, further comprising moving the authorization decision towards acceptance of the transaction if P1 comprises a value that is near to
 1. 5. The method of claim 1, further comprising authorizing the transaction if P1 comprises a value that is near to 1, and P2 comprises a value of about 0.25 or greater.
 6. The method of claim 1, further comprising authorizing the transaction if P1 and P2 are above a threshold, authorizing the transaction if P1 is above the threshold and P2 is below the threshold, and not authorizing the transaction if P1 and P2 are below the threshold.
 7. A system for authorizing a transaction, comprising: a sensor acquiring biometric data from a person in connection with a transaction; a biometric module: determining a probability of liveness of the person, P1, and a level of confidence in the person's identity, P2; and providing an authorization decision based on a combination of P1 and P2, the combination emphasizing the contribution of P1 in moving the authorization decision towards acceptance of the transaction.
 8. The system of claim 7, wherein the biometric module comprises means for determining P1 and P2 such that the means for determining P1 is less sensitive, as compared to the means for determining P2, to conditions out of the control of either means.
 9. The system of claim 7, wherein the biometric module comprises means for determining P1 and P2 such that the means for determining P1 is less sensitive, as compared to the means for determining P2, to illumination changes or orientation of the person.
 10. The system of claim 7, wherein the biometric module moves the authorization decision towards acceptance of the transaction if P1 comprises a value that is near to
 1. 11. The system of claim 7, wherein the biometric module authorizes the transaction if P1 comprises a value that is near to 1, and P2 comprises a value of about 0.25 or greater.
 12. The system of claim 7, wherein the biometric module authorizes the transaction if P1 and P2 are above a threshold, authorizes the transaction if P1 is above the threshold and P2 is below the threshold, and does not authorize the transaction if P1 and P2 are below the threshold.
 13. A method for authorizing a transaction, comprising: acquiring biometric data from a person in connection with a transaction; determining a probability of liveness of the person, P1, and a level of confidence in the person's identity, P2, wherein means for determining P1 is less sensitive, as compared to means for determining P2, to conditions out of the control of either means; and providing an authorization decision for the transaction based on a combination of P1 and P2.
 14. The method of claim 13, wherein providing the authorization decision comprises providing the authorization decision based on a combination of P1 and P2, the combination emphasizing the contribution of P1 to the combination.
 15. The method of claim 13, wherein providing the authorization decision comprises providing the authorization decision based on the combination of P1 and P2, the combination emphasizing the contribution of P1 in moving the authorization decision towards acceptance of the transaction.
 16. The method of claim 13, wherein determining P1 and P2 comprises determining P1 and P2 such that means for determining P1 is less sensitive, as compared to a means for determining P2, to illumination changes or orientation of the person.
 17. The method of claim 13, further comprising moving the authorization decision towards acceptance of the transaction if P1 comprises a value that is near to
 1. 18. The method of claim 13, further comprising authorizing the transaction if P1 comprises a value that is near to 1, and P2 comprises a value of about 0.25 or greater.
 19. The method of claim 13, further comprising authorizing the transaction if P1 and P2 are above a threshold, authorizing the transaction if P1 is above the threshold and P2 is below the threshold, and not authorizing the transaction if P1 and P2 are below the threshold.
 20. A method for authorizing a transaction, comprising: acquiring biometric data from a person in connection with a transaction; determining a probability of liveness of the person, P1, and a level of confidence in the person's identity, P2; and authorizing the transaction if P1 and P2 are above a threshold, authorizing the transaction if P1 is above the threshold and P2 is below the threshold, and not authorizing the transaction if P1 and P2 are below the threshold.
 21. The method of claim 20, further comprising emphasizing P1's contribution to a decision for authorizing the transaction.
 22. The method of claim 20, wherein determining P1 and P2 comprises determining P1 and P2 such that means for determining P1 is less sensitive, as compared to a means for determining P2, to illumination changes or orientation of the person.
 23. A system for authorizing financial transactions, comprising: a sensor acquiring biometric data from a person in connection with a transaction; and a biometric module calculating probability of liveness, Pp, of the person and probability of a match, Pm, between the person or a token and known biometric or token information respectively, determining a combination of Pp and Pm that emphasizes the contribution of Pp to the combination, and providing an authorization decision, D, based on the determined combination of Pp and Pm.
 24. The system of claim 23, wherein the biometric module comprises means for calculating Pp and Pm such that the means for calculating Pp is less sensitive, as compared to the means for calculating Pm, to conditions out of the control of either means.
 25. The system of claim 23, wherein the biometric module comprises means for calculating Pp and Pm such that the means for calculating Pp is less sensitive, as compared to the means for calculating Pm, to illumination changes or orientation of the person.
 26. The system of claim 23, wherein the biometric module moves the authorization decision towards acceptance of the transaction if Pp comprises a value that is near to
 1. 27. The system of claim 23, wherein the biometric module authorizes the transaction if Pp comprises a value that is near to 1, and Pm comprises a value of about 0.25 or greater.
 28. The system of claim 23, wherein the biometric module authorizes the transaction if Pp and P2 are above a threshold, authorizes the transaction if Pp is above the threshold and Pm is below the threshold, and does not authorize the transaction if Pp and Pm are below the threshold.
 29. The system of claim 23, wherein the biometric module determines the authorization decision, D, according to the formula D=Pp*(K+Pm) , wherein K is a number between 0.1 and
 100. 